Prohibited acts by provider; certain acts not precluded. [Effective through December 31, 2029.]

1. A provider shall not: (a) Share with an employer any fees, voluntary tips, gratuities or other donations that were received from or charged to a user for earned wage access services; (b) Use a user’s consumer credit report, as defined in NRS 686A.630, or a user’s credit score to determine the user’s eligibility for earned wage access services; (c) Charge a late fee, deferral fee, interest or any other penalty or charge for failure to pay outstanding proceeds, fees, voluntary tips, gratuities or other donations; (d) Report any information about the user regarding the inability of the provider to be repaid outstanding proceeds, fees, voluntary tips, gratuities or any other donations to a consumer agency or debt collector; or (e) Compel or attempt to compel payment by a user of outstanding proceeds, fees, voluntary tips, gratuities or other donations to the provider through any of the following means: (1) A civil action against the user in any court of competent jurisdiction; (2) Use of a third party to pursue collection from the user on the provider’s behalf; or (3) Sale or assignment of outstanding amounts to a third-party collector or debt buyer for collection from the user. 2. The limitations set forth in paragraph (e) of subsection 1 shall not preclude the use by a provider of any of the foregoing methods specified in paragraph (e) of subsection 1 to compel or attempt to compel payment of outstanding amounts or fees incurred by a user through fraudulent or other unlawful means, nor shall they preclude a provider from pursuing an employer for breach of its contractual obligations to the provider.